Shelter income from current income taxes while preparing for retirement
with an IRA.

ATM/Convenience Check Card:

*24
hour a day access to our ATM's at the Highway Branch and the Bradford
Branch.

*There
is also one of our ATMís at the Marty Mart Citgo gas station in Bald Knob.

*Access
to over 430,000 ATM's worldwide.

*NO SERVICE CHARGE for using your card at Shazam
Privileged Status location.

TeleBank and TeleWeb:

Have access to your account information 24 hours a day, 7 days a week.† Check balances, transfer funds, or make a
loan payment by touch-tone phone or the web.† Just call 501-724-2721 or 501-344-2723
for TeleBank, and for TeleWeb visit our home page and click on the
Online Banking link.

Credit Life, Accident & Disability Insurance:

At your request, this low cost coverage is available to you at the time of your
loan to provide additional financial security.† This product is: not a deposit account,
not FDIC-insured, not insured by any Federal Government Agency, and not
guaranteed by the bank.† This product
may go down in value.

FDIC Protection:

Your deposits are insured up to $250,000 with the Federal Deposit Insurance
Corporation.

NOTICE
OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR
NONINTEREST-BEARING TRANSACTION ACCOUNTS: By operation of federal law,
beginning January 1, 2013, funds deposited in a noninterest-bearing
transaction account (including an Interest on Lawyer Trust Account) no
longer will receive unlimited deposit insurance coverage by the Federal
Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a
depositorís accounts at an insured depository institution, including all
noninterest-bearing transaction accounts, will be insured by the FDIC up to
the standard maximum deposit insurance amount ($250,000), for each deposit
insurance ownership category.

For
more information about FDIC insurance coverage of noninterest-bearing
transaction accounts, visit
http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.